Archived
In a chapter 7 bk can I keep my utilitys on without paying the bill? I know your gonna say ask your lawyer. well pro se hear.
Ray's answer
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Answered on August 25, 2013
When you file bankruptcy, the power companies goes out and give you a zero read. You only pay future bills.
They do have a right to make you put...
Archived
Can i file for bankrupcy..
Ray's answer
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Answered on August 25, 2013
Bankruptcy wipes out your debts, not anyone else's.
If they co-signed for you, they're stuck unless they file bankruptcy for themselves.
When...
Archived
What does a trustee look at as far as income/expenses?
Ray's answer
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Answered on August 25, 2013
To be eligible to file straight bankruptcy, you must be below the median income.
Each state has a different amount.
The income is taken from what...
Archived
I recently paid off a home mortgage. The legal description on the payoff letter to the County Recorder is wrong. What do I do?
Ray's answer
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Answered on August 25, 2013
When you refinanced, was the original mortgage paid off.
Assuming it was, looks like the new mortgage was not recorded against your unit.
If the...
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Archived
Out of state DUI...do I need to take alcohol classes in the state in which I was convicted?
Ray's answer
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Answered on August 25, 2013
Why were you required to take alcohol classes in Illinois?
The general rule is that if you have a valid driver's license from any state, it is...
Archived
Do I need the title policy for my home to close the sale of it? If so, where can I obtain this document?
Ray's answer
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Answered on August 25, 2013
When you buy a house, you get a deed putting the house in your name. This deed is recorded with the recorder of deeds so that the world knows you...
Archived
I am totally broke and have not paid taxes since 2009 trying to figure out what to do
Ray's answer
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Answered on August 25, 2013
Paid taxes and filed tax returns are two different things.
If you have not filed, then you need to do it right away.
If you did file your 2009...
Archived
Filing to be executor of estate
Ray's answer
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Answered on August 25, 2013
Are you sure you know all his assets.
If Prudential is not "telling", how do you know what he has.
You need to open up an estate wherever he was...
Archived
Ira and bankruptcy
Ray's answer
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Answered on August 25, 2013
If you haven't filed yet, why would you lie on the Schedules. That is criminal.
If you have already filed, you can file amended schedules.
Since...
Archived
If I file for bankruptcy can I keep my checking account????
Ray's answer
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Answered on August 25, 2013
You are asking 2 questions:
1. Can I keep the checking account.
The answer is yes.
2. Can I keep the money in the checking account.
The answer...
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